[esterna]

> How's this any different than say, not bringing your wallet with you, because 95% of the time apple pay works

Apple Pay involves at least a third party (your bank) as a part of its function. This entity has to be reachable.

Unlocking my car needs me, and my car.

> when the payment terminal randomly decides to not accept apple pay?

I would be justified in being mad if, randomly, my BMW car would decide to not accept a BMW key (virtualized or otherwise).

> Not to mention there are plenty of other ways a phone can fail. It can [...]

"I will not accept this Euro bank note. You could have dropped it into the gutter on your way here, so it's strange for you to be mad at me if you don't have a backup."

[gruez]

The point isn't that it's fine for smartphone car keys to randomly fail, it's that there's plenty of other reasons they can fail that you're already living on the edge if all you're carrying is your phone. Therefore the "it's dangerous to assume ..." claim doesn't hold.

[xp84]

> there's plenty of other reasons they can fail that you're already living on the edge if all you're carrying is your phone

I see what you're arguing, but I just want to point out 2 things:

1. If I leave the house for a trip (especially a distant trip) with just my phone, I and anyone would understand intuitively my own responsibilities: namely, to keep my phone intact and its battery from draining completely. Since I already have a strong interest in both of these for other reasons, this is basically automatic anyway, and a backup plan for the latter is completely doable - I'd have to drop $20 on a gas station phone charger and hang out somewhere for 10 minutes while it goes from 0->6% or whatever. Anyway, if I understand my responsibilities like this, I'm able to make an informed decision on whether to trust it.

2. If we're victim-blaming here, saying "Serves him right, should have carried the keyfob as a backup" that renders it pointless to even have phone-as-key. The fob not having to be in your pocket or handbag is the only benefit. Unless, I suppose, you consider phone-as-key as the actual backup, for use only in the case you drop your keyfob into a storm drain. But that isn't how it's marketed at all. In my entire life, I've literally never lost my car keys, because they just stay in my pocket the whole time I'm away from home. So I'd value a 'phone-as-backup' at $0.

[noja]

> Apple Pay involves at least a third party (your bank) as a part of its function. This entity has to be reachable.

No it doesn't. It has to have a recent token, and if it does not it will contact your bank.

[formerly_proven]

Apple Pay even works if the phone/watch battery is "dead"

[kalleboo]

Only for Express Transit though, right? Not normal payment cards.